Cheat n Save

It was payday last Friday. The only thing work-related that I look forward to these days. It’s only Sunday morning and I am nearly broke because of bills!

A couple of weeks ago, I was planning a trip to Greenhills so I could buy this thing that I’ve been obsessing about. I sort of changed my plans as soon as I finished calculating payables for this pay period. A bit depressing but it’s not like I’m not used to it. Besides, I really went overboard with my shopping last month.

It’s been ages since I shopped for myself. One of my goals this year is to manage my money so that I could afford to treat myself. I must say that I am doing well with the “treat” element. Managing my money is the tricky part, and I can’t really say that I am successful.

I am auditing my purchases and I just realized I got too much stuff:

black strappy sandals
brown slip-ons
cheetah print flats
beige flip flops
leather thong slippers
jeans
two work trousers
three bags
at least eight tops
one 100 ml bottle of Ralph Lauren

This list doesn’t even include my beauty products, DVDs, magazines and the little unplanned purchases. No wonder Denver’s credit card is maxed out.

I have this other goal. I want to zero out my credit card debt. I am almost done paying off my BPI credit card but I’ve been using Denver’s plastic. I know it must seem like I’m cheating but I swear that I am more dependable when it comes to paying Denver’s credit card bill compared to paying my own. When it’s my bill, I am too stubborn to even think about the finance or late payment charges.

Because of my recent indulgence, I am prolonging this trip to Greenhills until I am, uhm, financially better? Maybe next pay day then.

I recently read this article about saving. It says that you should delay buying something that you really like for at least two weeks. After that period, the desire to obtain this thing would have decreased (or it would be out of stock, haha). That’s what I’m going to do and I hope it works for me. If it doesn’t, at least I’ll fulfill my heart’s desire.